---
title: "Sell My Structured Settlement | Free Written Offer From the Buyer, Not a Broker"
description: "Sell some or all of your structured settlement payments to Genex Capital for a lump sum. Get a free written offer with the price and discount rate disclosed."
---

# Sell Structured Settlement Payments for a Lump Sum, With a Free Written Offer and No Pressure

A structured settlement normally provides scheduled payments over time, often through an annuity established after a personal injury or similar legal claim. Selling your structured settlement means transferring the right to receive selected future payments to a buyer in exchange for one lump sum now. You may also hear this called a buyout, transfer or cashing out.

The lump sum will be less than the total future face value of the payments. That is because the buyer pays now, then waits to receive the payments. A discount rate converts that future money into its present value.

If your payment rights qualify and a judge approves the transfer, you generally have three choices:

* Keep your existing payment schedule.
* Sell part of your future payments and retain the rest.
* Sell all eligible future payments.

Genex Capital purchases payment rights directly and serves customers across all 50 states. Court approval is required for a transfer and provides an important layer of protection.

## Request a free written offer

Tell us what you know about your payments. We will prepare a personalized written offer showing the payments we propose to purchase, the price and the discount rate. Requesting an offer does not commit you to proceed.

**Full name**

**Phone number**

**Email address**

**State of residence**

**Insurance company or payment issuer**

**Payment amount and frequency**

**Next payment date**

**Amount you would like to receive**

**Which payments are you considering selling?**

* Part of my payments
* All eligible payments
* I am not sure yet

**Additional payment details**

**Button: Request my free written offer**

Prefer to speak with someone? Call **[(877) 790-4959](tel:8777904959)**.

## Genex Capital at a glance

* Direct purchaser, not a broker
* Purchasing payments since 2003
* More than 50,000 clients served
* $1.2 billion in payments transacted
* 95% court approval success rate
* A+ BBB rating

Client, transaction and approval figures are reported by Genex Capital. Every transfer is reviewed individually by a judge.

## Can I sell my structured settlement?

Genex considers structured settlement and annuity payment rights arising from personal injury, wrongful death, medical malpractice and similar matters. Eligibility depends on the settlement and annuity documents, the type of payments, applicable state law and the facts of the proposed transfer.

The person legally entitled to receive the payments generally must participate. Inherited payment rights, payments belonging to a minor or incapacitated person, and arrangements involving a guardian or conservator may require additional documentation, legal authority and court oversight.

Payments that continue only while the recipient is alive may also be considered. These life contingent payments are priced differently from guaranteed payments because the buyer takes the risk that the payments could end before the full schedule is received. The written offer should clearly identify the payments being purchased and how they were valued.

Structured settlement transfers follow state protection laws. Although the basic process is similar nationwide, disclosure periods, notices, hearing arrangements and the appropriate court vary. Genex prepares the transfer paperwork and works through the process required in your state. You can also review our [structured settlement information by state](/states/).

## You do not have to sell every payment

Selling is not an all or nothing decision. A partial sale can provide the amount needed now while preserving scheduled income for later.

You can structure a partial sale in several ways:

* Sell every payment due during a defined period, then resume receiving payments afterward.
* Sell part of each recurring payment while retaining the remaining portion.
* Sell one or more scheduled lump sums and keep the rest of the payment schedule.

Payments not included in the court approved transfer remain yours.

| Example payment timeline | What happens |
|---|---|
| Years 1 through 3 | You retain the scheduled payments |
| Years 4 through 7 | Genex purchases these payments |
| Year 8 onward | You retain the remaining payments |

The timing of the payments affects their value. Payments due sooner generally have more present value because the buyer waits less time to receive them. More distant payments are discounted over a longer period.

That creates a practical choice. Selling earlier payments may require less future face value to reach a particular lump sum, while selling later payments can preserve more immediate income. Genex can put alternative structures in writing so you can compare the amount received now with the payments retained for the future.

A partial sale is often the useful middle ground: enough money for a defined purpose without giving up the entire schedule.

## How much is a structured settlement worth?

There is no reliable price based only on the total shown in your payment schedule. The dates, payment terms and length of time involved all matter. A written offer is the only meaningful way to know what a particular set of payments is worth today.

### How the discount rate works

The discount rate is the rate used to convert future payments into present value. In plain terms, it accounts for the time the buyer must wait, the risks and costs involved, and current market conditions.

A lower discount rate generally produces a higher lump sum when every other part of the transaction remains the same. A higher rate generally produces a lower lump sum. Genex states the discount rate in its written offer so you can see how the future payment stream was valued.

The discount is not simply a separate bill. It is the difference between the payments’ future face value and what those payments are worth as a lump sum today.

### What affects your offer

The principal factors include:

* The amount and due date of each payment
* How long Genex must wait to receive the payments
* The number of payments being sold
* Whether payments are guaranteed or life contingent
* The overall size of the transaction
* The financial strength of the annuity issuer
* Current market conditions
* Applicable legal, filing and court costs

Two people with the same future total can receive different offers because their payment dates, insurers, states and payment terms differ.

### Hypothetical present value example

Suppose a settlement provides ten guaranteed annual payments of $10,000, with the first arriving one year from now. The future face value is $100,000.

Using an illustrative annual discount rate of 6%, the present value would be approximately $73,601. The $26,399 difference reflects the discount for receiving money now rather than waiting for ten annual payments.

| Hypothetical structure | Future face value sold | Illustrative lump sum | Future face value retained |
|---|---:|---:|---:|
| Sell all ten annual payments | $100,000 | $73,601 | $0 |
| Sell the first five annual payments | $50,000 | $42,124 | $50,000 |

This example shows the calculation, not a likely or promised offer. It does not include any applicable costs that would need to be disclosed. Actual offers depend on the payment rights, underwriting, state requirements and court approval.

### Discount, costs and net proceeds

The discount and transaction costs are not the same thing. The discount reflects the present value calculation. Other applicable fees or expenses relate to completing the transfer.

Genex is the direct purchaser, so it charges no broker fee. Your written documents identify relevant costs and the net amount you would receive. That net amount matters more than a large headline number that does not explain what will actually reach you.

### How to compare written offers

A responsible offer should let you answer six questions without relying on a salesperson’s explanation:

1. Exactly which payments are being purchased?
2. What is their total future face value?
3. What are the purchase price and final net proceeds?
4. What discount rate is being used?
5. What fees or expenses apply?
6. What stated conditions could change the amount or timing?

Compare written offers using the same payment schedule. A quote for more payments is not automatically a better offer, even if the lump sum is larger. Compare net proceeds, discount rates, costs and the income you retain.

Genex will beat a qualifying written offer from another payment purchasing company or pay you $1,000, subject to the [best price promise terms](#best-price-promise-terms).

### This is a sale, not a loan

Selling structured settlement payments transfers payment rights. You do not borrow money or make monthly loan repayments. Your credit history does not determine the payments’ value in the same way that it determines conventional loan terms.

This also differs from pre settlement funding, which concerns an unresolved legal claim. Here, the settlement already exists and future payments have been established.

Savings, payment plans or borrowing may sometimes cost less, depending on their actual terms. A structured settlement sale remains a legitimate option when you want to avoid new debt, borrowing does not meet the need, or the value of using money now outweighs the discount shown in the offer.

## How the transfer process works

Genex handles the administrative and court filing work, but you remain involved in reviewing the terms and supplying the required information.

1. **Share your payment details.** Provide the payment schedule and available settlement or annuity documents.
2. **Receive a free written offer.** Genex identifies the proposed payments, purchase price and discount rate.
3. **Review the required disclosures.** These show the financial terms in a form you can check.
4. **Sign the transfer documents.** Signing allows the transaction to proceed, but it does not remove the court approval requirement.
5. **Submit the transfer.** Genex prepares and submits the transaction under the applicable state process.
6. **Provide required notice.** The annuity issuer, obligor and other required parties receive notice.
7. **Complete judicial review.** A judge considers the proposed transfer and decides whether to approve it.
8. **Receive the lump sum.** After approval and completion of final requirements, Genex funds the transaction.

You provide accurate documents, review the terms and participate in a hearing if required. Genex explains the process, prepares the paperwork and coordinates the filing.

### What the disclosure shows

The formal disclosure turns the offer into terms you can examine. Depending on applicable law, it may identify:

* The payments being transferred and their dates
* Their total future face value
* Their discounted present value
* The purchase price and net proceeds
* The discount rate
* Applicable fees and expenses
* The payee, buyer, annuity issuer and obligor
* Your opportunity to seek independent advice

The written offer and formal disclosure should describe the same transaction. If the schedule or other material facts change, revised terms may be necessary.

### How long does it take?

The full process usually takes **four to seven weeks**, depending on state law and individual circumstances. That period includes document gathering, required disclosure and notice periods, the court calendar, any hearing and final processing after the court order.

Genex can manage its own work, but it cannot control the court’s calendar or promise a particular approval or funding date.

### A qualified advance may be available

Once a transaction is underway, an advance of up to **$1,000 within 24 hours** may be available. Availability, amount and timing depend on eligibility, underwriting, documentation, applicable legal requirements and individual circumstances. An advance is not available to every customer and is separate from final funding.

### You receive written terms before deciding

Requesting an offer does not obligate you to sell. If you proceed, your documents and applicable state law govern any cancellation or withdrawal rights. The court provides another independent safeguard and approval is never automatic.

Once an approved transfer has been funded, the sold payments belong to Genex. Payments excluded from the transfer remain yours.

## Why does a judge review the sale?

Structured settlement transfers must follow the applicable Structured Settlement Protection Act and receive court approval. This is not optional paperwork. It is a legal safeguard intended to ensure that the proposed transfer meets required standards and is in your best interest.

Genex reports a **95% court approval success rate**, but every application is considered individually. Neither Genex nor any other purchaser can guarantee what a judge will decide.

### What the judge may consider

The judge may look at:

* Why you want to sell
* The purchase price, discount and applicable fees
* Your financial position after the transfer
* The needs of children or other dependents
* Whether you received the required disclosures
* Whether you had an opportunity to seek independent advice
* Whether the transaction complies with state law

Paying high interest debt, handling medical expenses, repairing a home or meeting another defined need may help explain the purpose of a sale, but no particular reason guarantees approval. A carefully sized partial sale can connect the amount sold to a specific need while leaving future income in place.

### What happens at the hearing?

The court, judge and state determine whether a hearing is required and whether participation is in person or remote. If you attend, the judge may ask why you are selling, how you plan to use the lump sum and whether you understand the payments you will give up.

Genex explains the expected logistics in advance. The judge alone determines the outcome.

### Do you need your own lawyer?

The buyer’s lawyer represents the buyer, not you. You have the right to seek independent legal, tax or financial guidance, and state rules may impose additional requirements in some cases.

Independent advice can be particularly useful for a large or full sale, unusual payment ownership, inherited rights, tax questions or possible effects on public benefits.

## Should you keep the payments or take a lump sum?

The practical question is not whether scheduled payments or a lump sum is always better. It is whether solving a defined need now is worth the cost shown in the written offer.

| Consideration | Keep scheduled payments | Sell payments |
|---|---|---|
| Access to money | Income arrives on its existing schedule | You receive an approved lump sum after funding |
| Flexibility | Less money available for a large current expense | More control over how a defined amount is used |
| Predictability | Scheduled payments provide continuing income | A full sale ends the sold income stream |
| Financial cost | You wait to receive the future total | The lump sum reflects a discount |
| Spending discipline | Payments arrive gradually | Managing the lump sum becomes your responsibility |
| Middle ground | Keep the entire schedule | Sell part and retain the rest |

High interest debt or an immediate, defined expense may make access to a lump sum valuable. An undefined desire for more day to day spending may support preserving more of the schedule. A partial sale lets you address the current purpose without automatically giving up every future payment.

Other resources, including savings, payment plans and borrowing, can be compared on their actual costs and conditions.

### Common reasons people sell

People consider selling payments to pay high interest debt, cover medical expenses, buy or repair a home, fund education, support a business or respond to job loss, divorce and other major life changes. The reason is part of the court’s review, but it does not determine approval by itself.

### Start with the purpose, not the maximum available

Define how much money you need and what it will be used for before deciding which payments to sell. This helps keep the transaction proportionate to the need.

If the plan involves investing the proceeds, compare any expected return with the guaranteed payments being sold. That comparison should account for investment risk, taxes and the transaction’s discount. Genex does not provide investment or financial advice.

### Will the lump sum be taxable?

Tax treatment often follows the nature of the underlying settlement payments. Payments arising from qualifying physical injury or wrongful death claims are generally treated differently from payments originating from taxable sources.

Selling payment rights does not make every transaction tax free. A qualified tax professional can address the settlement documents and your individual circumstances.

### Could a sale affect SSI, Medicaid or other benefits?

A lump sum may affect means tested benefits because programs such as Supplemental Security Income and Medicaid can apply income or asset limits. The rules depend on the benefit, timing and individual circumstances.

Discuss the proposed transaction with the relevant benefits agency and an independent professional before proceeding. Early planning can prevent an avoidable effect on eligibility.

## Choose the company behind the offer

A structured settlement purchaser pays a discounted amount now in exchange for selected future payments. Some companies fund purchases directly. Others operate as brokers and place the transaction with another buyer.

Genex Capital is the direct purchaser. You deal with the company making the offer and responsible for funding the approved transaction, rather than a broker standing between you and the buyer.

### Warning signs to notice

Be cautious if a company:

* Pressures you to sell more payments than you need
* Refuses to state the terms in writing
* Changes the offer without a clear explanation
* Introduces fees late in the process
* Suggests that the buyer’s lawyer represents you
* Asks you to misstate facts, residence or jurisdiction
* Sends communications designed to resemble court or government notices

A responsible purchaser should have a verifiable business history, address and BBB record. Its written documents should identify the company buying the payments and funding the purchase.

### Questions to ask any structured settlement buyer

| Question | Genex Capital’s answer |
|---|---|
| Will the discount rate be stated in writing? | Yes. The written offer identifies the price and discount rate. |
| What amount will reach me? | Your documents show the net proceeds for the payments being purchased. |
| What fees apply? | Genex charges no broker fee. Applicable fees or expenses are identified in the written documents. |
| Are you the direct buyer? | Yes. Genex purchases the payment rights directly. |
| Can you serve my state? | Genex serves customers nationwide across all 50 states. |
| What could cause the offer to change? | Corrected payment details, underwriting findings, legal requirements or other conditions stated in the offer may require revised terms. |
| How long does the process usually take? | The typical range is four to seven weeks, depending on state law, the court calendar and individual circumstances. |
| What if I have another written offer? | Genex will compare a qualifying written competitor offer under its best price promise. |

### Experience supported by a track record

Genex has purchased structured settlement and annuity payments since 2003. The company reports more than 50,000 clients served, $1.2 billion in payments transacted and a 95% court approval success rate. Genex has an A+ BBB rating.

Genex is a purchaser, not a lender, law firm or financial adviser.

## Get a written number for your payments

The value of your structured settlement depends on the amounts, payment dates, payment type and applicable state process. A personalized written offer gives you the price, discount rate and net proceeds needed to make a real comparison.

[Request a free written offer](#request-a-free-written-offer), call **[(877) 790-4959](tel:8777904959)** or submit a qualifying competitor offer for comparison. There is no obligation. Genex is the direct buyer, and every transfer remains subject to required court approval.

## Best price promise terms

Genex will beat a qualifying written offer from another payment purchasing company or pay the customer $1,000, subject to these requirements:

* The competing quote must be signed by an authorized representative and dated within three business days of submission to Genex.
* The $1,000 payment is made only after the transaction funds at the purchase price stated in the qualifying competing quote.
* Funding must occur within 90 days after Genex confirms that it cannot beat the qualifying quote.
* The promise is limited to one offer per customer.
* A quote from an annuity issuer’s own buyback or hardship program does not qualify.
* The promise is not available where prohibited.

## Important information

SellMyStructuredSettlement.org is operated by Genex Capital Corporation and is not endorsed by or affiliated with any state or federal regulatory agency.

Genex does not provide legal, tax, investment or financial advice. Independent professional guidance may be appropriate before transferring structured settlement or annuity payment rights.

Cash advances are offered solely at Genex’s discretion and remain subject to eligibility, documentation, underwriting, applicable legal requirements and individual circumstances.

For questions, call **[(877) 790-4959](tel:8777904959)** or email **[info@genexcapital.com](mailto:info@genexcapital.com)**.